DONT GET INSURANCE WITH MTN, ITS ONE BIG ****!

The level of inexperienced consultants supposed to be champions as they describe them is utterly disgusting. For the past almost 2 years i have had a contract with MTN, paying R1844 per month for my contract. Last year my I unfortunately lost my job and till date i have not missed one payment on my contract! NOT 1! Since i got my device i noticed its heating up, also note its a Samsung S22 ULTRA so not the usual cheap phones heating up issue. I went to an MTN store and the lady explained that it does heat up but its nothing to be concerned about. I also got an insurance by MTN with the phone to ensure everything will be good incase of an accident and or theft. A month or so ago when me and my partner went on a trip i noticed the camera is very foggy and the images looks terrible. Also not this phone have not had one day out of a protective case and have no physical damage or scratches except for the usual screen scratches(ALSO NOTE I HAVE A SCREEN PROTECTOR SO THE ACTUAL SCREEN HAVE NO DAMAGE) early December i noticed that when having a light contrass image you can see app icons burnt into the screen, this concerned me so as soon as i got home mid december i called MTN. 2 hours on the phone and the insurance consultant tells me that im not even insured for a Samsung S22 ULTRA but insead for a Apple Iphone 13 pro.... She asked for information i clearly dont possess and even speaking with MTN they dont even posses of his barcode number that the want from my invoice as it doesnt exist... Finally i spoke to a lady and she said no problem it will all be ixed and i have nothing to worry about i should fill in the claim form proof of ID and answer some questions. DOing that sending it in I get all these texts saying my application is incomplete and they want the documents again, i sent it again and they rep****, no need for the documents as its already been processes, now im getting confused... Last week i get a mail that i need to take the phone to an mtn repair store and get a report on the phone... Remember the lady from insurance that helped me sort everything out, she specifically said that the phone will be collected from my residing address and will all be sorted out (MTN please get that recording ready as you do say that i can request the recording at any time) then regardless of the also get the recording when applying for the insurance i asked couple of times is the screen fully protected and the agent said, yes the whole phone is inured for damage, theft, etc its covered.... Now my issue is I live in Prieska a small town... 200+km from the closest mtn repair center, i rep**** to the email saying this and the agent rep**** back not in so much words but, oh well thats what the insurance want and tehre is no other way. so you want me to ****ing walk to the closest mtn repair center as i dont have a car or job. THIS IS NOT WHAT I SIGNED UP FOR OR WHAT I HAVE BEEN TOLD BY YOUR EMPLOYEES!!!!! IF ANYONE WANT TO GET AN INSURANCE THROUGH MTN..... DONT! THEY WILL JUST TRY EVERYTHING POSSIBLE TO AVOID A CLAIM... R300 per month and ive already paid R4500 for an insurance i cannot use.... I will not be continuing the insurance in that matter so hopefully you guys will give me a call to sort this out otherwise ill just reverse all debit orders and see you in court!